Cheating rumors might just be the tip of the iceberg in Tori Spelling and Dean McDermott’s relationship. As Star previously reported, the actress secretly hired a private investigator after December reports that her husband had cheated on her with 28-year-old Emily Goodman — and she’s horrified at what’s been found!

The P.I’s report has the former Beverly Hills, 90210 star worried that her husband has not only been taking her money for years, but that he’s had affairs with both women and men. “Tori is absolutely shell-shocked,” a family friend tells Star. “She’s in so much pain. Now, she’s terrified that the loving marriage she thought she shared with Dean was built on lies and deception. She doesn’t know where to turn.”

The insider adds that Tori’s finally considering divorce after nearly eight years of marriage, but with four kids and no prenup, it’s not going to be easy.

For more of this story, pick up the latest issue of Star, on newsstands now!